SME Relationship Manager at Umutanguha Finance Company Plc


UMUTANGUHA Finance Company (UFC) Plc, a company duly registered in the office of the Registrar General under company code number 101310843, licensed by National Bank of Rwanda to operate as Micro Finance Institution in Rwanda headquartered in Kigali, Opposite Nyamirambo Stadium, House # 177, KN2 Avenue, P.O Box 2998 Kigali, Tel 0788387730, email:

Umutanguha Finance Company Plc (UFC) is a public company limited by shares, it is a microfinance institution which was established in 2003 first as a Saving and credit cooperative, which transformed into a Union in 2006 and later on in 2013 as a public company limited by shares.

Since 2013 UFC made two amalgamation transactions where it acquired 2 microfinance cooperatives in 2016 and in 2018, UFC acquired 1 microfinance company and 2 microfinance cooperatives through amalgamation. In May 2023 the National Bank of Rwanda has approved FINAFRICA MICROFINANCE HOLDING a subsidiary of FINAFRICA which is also a subsidiary of GROUP DUVAL as major shareholder of UMUTANGUHA FINANCE COMPANY PLC with 51% shareholding. The institution has 23 branches (5 branches in Kigali and 18 branches outside of Kigali) and 1 outlet in Rwanda

Currently UMMUTANGUHA FINANCE COMPANY Plc is looking for the SME Relationship Manager with the following details:

Job Title: SME Relationship Manager

Report toDirector of Business Development

DepartmentBusiness Development

Location: Head Office



Responsible for developing and maintaining a proactive customer advisory relationship management that includes effective consultative selling and structuring of solutions for potential or existing SME customers in line with the set targets, service standards and strategic objectives of the Bank aimed at growing the assets book.

Key responsibilities

  • To identify and develop new SME deals, grow the existing relationships, monitor and maintain the UFC Plc’s SME portfolio with in manageable risk spheres to enhance profitability;
  • Ensure prompt processing of all SME customers’ request;
  • Developing SME customers’ portfolio;
  • Assesses and monitors commercial risks and collection;
  • To identify and develop new SME relationships that have a potential to grow and provide superior returns and contribute towards assets and liabilities growth as per targets set;
  • Active pipeline management with the objective to meet agreed personal growth objectives across all product ranges and client’s segments;
  • Management of the SME portfolio clients around branches in order to grow and retain existing business, whilst continuously reviewing existing client wallets with an eye to optimizing the Bank’s revenue through selling/promoting appropriate product bundles;
  • Actively undertake the negotiation and structuring of transactions in the prospective and closing stages with the aim of attaining value for the client, while protecting the business interests of the company;
  • Vigilant Arrears Management in line with UFC PLC policies in order to spot early attention areas –the objective is to maintain the loan portfolio’s NPL percentage (well) within agreed parameters;
  • Constantly explore the enhancement of the UFC Plc’s brand name so that the company holds out to the target markets as one of the best in the SME field in terms of service, innovation and customer awareness/responsiveness;
  • Prepare weekly activity reports (pipeline, disbursements, deposits and follow through action on watch accounts/ trend reports) as required for UFC Plc outputs;
  • Develop and maintain well documented reports/visits/contracts with all the company’s relationships, management and other units;
  • Provide recommendation on the loan applications from the Branches to be presented in management and board credit committees;
  • Mobilize, initiate and process loan files as per the Institution’s lending discretion levels;
  • Managing and following up borrowing relationships with different lenders;
  • Implement effective sales and generate monthly sales performance reports in line with the set targets;
  • To drive and monitor the growth of SME loan book of the bank and initiate key strategies of driving the business;
  • Actively market and effectively generate leads, create and periodically update customer databases for potential and existing SME customers and recommend financial solutions based on customer value;
  • Plan and implement customer relationship management training/sensitization programs for bank staff in line with customer expectation, the identified training needs and the company`s customer service strategy;
  • Conduct periodic visits or meetings to achieve understanding of their business needs intended to build a loyal SME customer base;
  • Recommend, procedural, process, and policy changes required to meet SME customer expectation/needs and generate periodic status reports;
  • Maintain an updated database for the potential Customers and give direction to branches on the key revenue generating strategies on SME lending;
  • Work with branch management and staff to implement and monitor a system of ensuring continued compliance with Know your customer and risk management policies in line with bank procedures;
  • Chairing Branch Credit committee meeting;
  • Conduct regular visits and follow up of the Branches SME Clients;
  • Ensure the regular reporting to the Business Development Directorate;

Know How

  • Strong track record in Sales Management
  • Excellent negotiation skills
  • Excellent understanding of the UFC, its strategy and all of its products and services.
  • Documentation, organization and reporting skills
  • Good knowledge and understanding


  • Good customer service / Relationship management skills
  • Team building / Conflict management
  • Interpersonal skills and exercise excellent judgement
  • Communication (oral & written)
  • General managerial/ administration
  • Performance management
  • Ability to work under pressure


  • Bachelors’ Degree in Accounting, Finance, Economics, Management or another related field
  • Must have 4 years working experience in banking area
  • Knowledge Banking products
  • Good accounting knowledge
  • Products knowledge
  • Excellent negotiation skills
  • Good financial analysis / Interpretation skills
  • Good customer service / Relationship management skills
  • Interpersonal skills
  • Time management
  • Good Knowledge of Kinyarwanda, French and English is compulsory

Application documents:

  • Application letter
  • Updated Curriculum vitae
  • Studies documents (copies of Certificates, academic transcripts, degree, etc)
  • Copy of ID/Passport
  • Service Certificate
  • Training and experience documents
  • A list of three references and their contacts

Note: All documents should be scanned in one document and be electronically submitted to: (Please mention the position you are applying for in the email subject).

The deadline for receiving applications is 25th April 2024 at 5:00 PM


  • Only short-listed candidates will be contacted

Done at Kigali, 11th April 2024.


HR& Admin Manager Chief Executive Officer

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